In 30 days, money stops happening to you — and starts doing what you tell it.
Apps watch your money. Gurus lecture you about it. We have you touch it — an hour a month.
Every functioning business on earth closes its books once a month. Estimates on one side, what actually happened on the other, a short look at the gap. Nobody calls that discipline — it's just how a business knows where it stands. Your household has never been given books. Foundations is where you get them.
$247 · Includes 2 live group calls · Your $47 Compass credit applies
You've probably already tried. That's not the problem.
Maybe you tried the app that connects to everything and shows you beautiful charts. You looked at it for two weeks. The charts were lovely. Nothing changed — because looking at numbers was never the same thing as directing them. That app gave your money a dashboard. It didn't give it a decision.
Or maybe you tried the other kind — the one that wanted every transaction logged, every category assigned, every day. You lasted three weeks, it ate your evenings, and when you quit, you took the blame with you.
Both of those failed you in opposite directions.
Here's the part nobody says out loud: the zero-touch app changed nothing because you never interacted with your numbers. The high-touch app collapsed because nobody has the time to constantly interact with their money. Neither one was a discipline problem. Both were calibration problems — and the blame you've been carrying belongs to the tools, not to you.
The calibration that actually works has been running quietly in every small business for about a hundred years:
Touch the numbers briefly, monthly, on purpose.
Enough to direct them. Little enough to keep your life.
Picture the version where it works.
Month by month, quietly, the picture bends toward the four words we build everything toward:
Wise. Resilient. Free. Generous.
That's not a personality transplant. That's about an hour a month, with a system underneath it.
$247 · Includes 2 live group calls · Your $47 Compass credit applies
We're Steven and Bethany Mudd.
Parents, raising a family in Los Angeles. We've spent 18 years building this system — first for ourselves, now for you.
Bethany has managed 9-figure budgets at major nonprofits for 15+ years. Steven has spent 20 years self-employed, building creative businesses and diversifying that income. Nights and weekends, we ran our own household on this exact system — paid off the debt, and bought 4 properties in one of the most expensive cities in the country.
Not because we got lucky. Because we got organized.
We started as newlyweds in a tiny LA apartment — creative field, credit card debt, and more than a few months where the math didn't add up on paper. What changed everything was sitting down once a month, looking at our numbers by hand, and pointing every dollar somewhere on purpose. About 30–60 minutes. Once a month. For 18 years.
- Founded 5 creative businesses, including a restaurant.
- Bought several investment properties — using each one's equity for the next down payment.
- Moved the family 4 times to keep owner-occupied mortgage rates on these properties.
- Took fewer write-offs and paid the tax man in the years we wanted a bank loan — on purpose.
- Built our net worth across real estate, businesses, intellectual property, several retirement accounts & brokerage accounts (traditional employer accounts, a SEP IRA when we needed write-offs, a backdoor Roth when income pushed us out the front door, accounts for our children, etc.)
- Steven ran the money the first 9 years; Bethany the next 9. Both hands on every major decision.
None of it was flashy. No viral hit, no overnight exit. Just steady, steady, steady — direct the money, take a thoughtful risk, adjust, keep going.
We didn't get here by connecting an app and hoping. We got here by keeping the rhythm. Foundations is that rhythm, packaged.
Most of us were never taught any of this. We've watched friends with healthy incomes come to us feeling lost — not because we're "finance people" on paper, but because we built something that works. So we built the system we wish someone had handed us in our 20s, with the tools we wish we'd had to run it.
We don't teach what we've read. We teach what we've lived.
The 30-Day Foundations Challenge
30 days from fuzzy to clear. 6 modules, lessons about 10 minutes each, and 2 live calls with us, built so you actually finish. By the end of 30 days you'll have closed 1 full month with the system, not just watched lessons.
The Foundations Dashboard
One page where your whole money life becomes visible — and stays that way. Our Actuals Importer does the sorting, the math does itself, and the hour you spend here each month is the hour that makes the rest of the month lighter. This is where "where did it go?" turns into "here's where it's going."
The Budget
The same template we've run our own household on for 18 years — and the place you get to dream on purpose. What would you point a found $200 a month at? A found $500? This is where you find out, and then actually point it. Yours to keep, on your computer, forever.
Your Personalized Workbook
Your numbers, your why, your plan — in your own handwriting. The thing you'll flip back through in a year to see how far you came.
The Find Your $200 Guarantee
Run the system for 90 days — close your months, touch your numbers — and if you can't find at least $200 a month to redirect, we refund you. Week 3 is where most people start to see it.
$247. Here's the honest version of why it's priced there: Foundations is the base layer — the system everything else we teach builds on, from wealth-building to coaching. Coaching costs thousands. The foundation under it shouldn't. If you took the Compass, your $47 already counts — you're in for $200.
$247 · Includes 2 live group calls · Your $47 Compass credit applies
We run this in cohorts with real start dates. No countdown timer, no manufactured deadline — the whole point of this system is that your money runs on things that are true.
Foundations is built for you if:
- You earn real income — the problem was never the paycheck, it's that the picture's fuzzy
- You're tired of "we get by fine" being the whole plan
- You can give your money 30 to 60 minutes a month. That's the actual ask.
It's honestly not for you if:
- You're in financial crisis right now. You need faster help than a 30-day course, and we'd rather point you to it than sell to you.
- You want an app to do it for you. The touch is the point — we've automated the clerical parts, never the deciding.
- You want stock picks. This is the layer underneath that, and it comes first.
- You need someone to yell at you. Nobody yells here. It works anyway.
I've got this — I just needed to know what to focus on.
That's the sentence our students chose to describe where they landed.
"The moves felt like they were written for me specifically."
"Before, I did not consider the order of steps to take to optimize my financials. Now I have a clearer starting point, actionable steps, and a specific goal to work towards."
"Before, I hadn't thought about W-4 withholding as lost investment opportunity. Now I'm making a plan to maximize it."
"I never felt overwhelmed… inspired to stay true to our budgets not out of habitual obligation but because of the joy of reaching our 'why.'"
How does the Find Your $200 Guarantee actually work?
Do the 30-Day Challenge. If, within 90 days, we can't help you find at least $200/month you could redirect in your budget, we refund your tuition — the full amount if you paid in full, or what you've paid (and we cancel the rest) on the 4-pay. "Doing the work" means completing all 6 modules, running Our Actuals Importer — or entering the numbers by hand — on 2 months of real spending, filling in your Workbook prompts, running Map Your Month once, and sending a short Before/After form. No fine print. We back the work.
Will this work if my income is irregular or freelance?
Yes — at a baseline level. The Budget and Map Your Month both handle variable income. If irregular income is your defining challenge, we also have a Freelance Finances module designed specifically for that — most people start with Foundations to build the system, then add Freelance Finances when they're ready to layer in the irregular-income mechanics.
Do I have to link my bank account?
No. Foundations doesn't connect to your accounts. You upload your CSVs or enter your numbers yourself. Your bank logins stay with you. The manual interaction is deliberate — it's how the behavior change actually happens.
How long do I have access?
Lifetime. As long as we offer Foundations, you have access — to the course, the Dashboard, the Budget, and your Personalized Workbook. When we improve the system, you get the current version.
I've started courses before and never finished. What makes this different?
Foundations folds three things into one system that actually works together — a guided 30-day challenge with live check-ins, a visual dashboard that shows you your real numbers, and a Budget template the dashboard helps you populate. Most courses give you information. We give you the system, the tools, and the structure to finish.
What if I want to do the course solo without the live group calls?
You can. When you join, you'll be invited to the live cohort calls — but you're not required to attend. Some people prefer to watch the recordings or run on their own schedule entirely. You get the same course, the same Dashboard, the same Budget, and the same Workbook either way. The guarantee applies the same way too.
Can I get 1-on-1 help if I really get stuck?
Foundations is designed so most people don't need it — short lessons, tools built around your numbers, a workbook, and two live calls each cohort cover almost all of the "I'm stuck" moments. We don't currently include ongoing 1-on-1 coaching inside this product. When we offer that as a separate service, we'll make it clear.
What happens after Day 30?
You keep running the system. The cohort ends; the practice doesn't. You'll open your Budget at the end of each month, update your actuals, review your plan, and adjust. The Dashboard stays available. When you're ready to think about investing and longer-horizon wealth-building, that's our Wealth-Building course — but Foundations doesn't end on a cliffhanger. It ends with you holding a complete system.
The math is on your side from day one.
It's easy to spend $247 this month without changing anything.
This is the one purchase where, if you do the work, the math is on your side from day one. Find $200/month you can redirect within the first 90 days, and Foundations has paid for itself. Don't find it, and we refund you.
Build a budget that actually works for your life. Stop guessing where your money goes. Install a system you'll run for the next 20 years.
$247 · Includes 2 live group calls · Your $47 Compass credit applies
